Insurance

[AK]

Was just thinking about this whilst getting insurance quotes yesterday.

When you add a women (mum/aunty) as a named driver it reduces your premium.. what if you just made someone up, i.e. a quite old women thats been driving for years? Insurance wouldn't check that she existed in the event of a crash?

It's just a thought, i don't condone insurance fronting etc

 

[Kerryclio]

I think they would definatly check it if you crashed tbh

 

[Ben.]

lol, tis a good point, i dont see how they could check, if you were the one driving they wouldnt need to ask about any named drivers

 

[AK]

lol, tis a good point, i dont see how they could check, if you were the one driving they wouldnt need to ask about any named drivers

Exactly what i was thinking lol. There is no reason for them to check, as you would be the one driving.

 

[Jizzlobber]

What if you named three or four imaginary females on the policy? Would that reduce it even further?

 

[oz_clio]

Yeah, someone like a friend of the family whos ancient and likely to be buttons to ensure. Who knows, ive never done it!

 

[Kerryclio]

Although me and my mum was on the same policy and when she claimed they never looked into me

 

[JCC]

You probably could do it, I know people who have gotten away with stupidly fraudulent insurance policies when they crashed. I wouldn't risk it though.

 

[Fluxuk05]

Why make them up? just use your gran or an old lady down the road.

 

[Austin-182]

haha ya wana know what makes ya insurance even cheaper, doin the claim on the net n puttin ya dad down as ur spouse and not relising it doesnt actually mean ur dad and means ur partner!! haha, was only renewal time when we relised the mistake and had only payed £170 for the year!! they said to my dad is it ur partner on the claim and he was like na its me son! lol they wernt even botherd they just pounted out the claim would have to be changed

 

[Aluco]

I added my girlfriends dad and he's never been anywhere near my car but reduced my premium by £200. Can't see anything wrong with it, he could have come and picked us up in it after a drunk night out I guess because he doesn't drink.

He was only a named driver after all.

 

[missvavavoom]

think in principle you'd get away with it, however, i think in the eyes of the insurers it's still prob fraud so personally wouldn't risk it - I always have that mantra ringing in my head about if they have ANY excuse NOT to pay out, they'll take it.

However, nothing to stop you putting an obliging family member or neighbour on?
sorry to be a party pooper

 

[AK]

lol nah i wasn't actually thinking about doing it, i've got my mum & stepdad & big sister down on mine anyway...

Was just a thought...

 

[Ali]

No real need, just use any family member. I've got my mum, dad and bro's misses on mine. reduces it 80£!

 

[AK]

No real need, just use any family member. I've got my mum, dad and bro's misses on mine. reduces it 80£!

To what, about £300 (if that :rasp? the joys of being older

 

[Dyewitness]

i had to take my old boy off after he crashed his saab twice in a few months, but £490 for clio 197 with 3 points, fully comp 7 years protected no claims bonus and 12 months interest free to pay it off isnt to be sniffed at! egg insurance underwritten by uk insurance ftw

 

[AK]

i had to take my old boy off after he crashed his saab twice in a few months, but £490 for clio 197 with 3 points, fully comp 7 years protected no claims bonus and 12 months interest free to pay it off isnt to be sniffed at! egg insurance underwritten by uk insurance ftw

How'd you manage to get interest free?

 

[Ali]

To what, about £300 (if that :rasp? the joys of being older

hardly old ya wee dik!

 

[Dyewitness]

How'd you manage to get interest free?

If you take out an Egg credit card its one of the perks, pay your insurance if you arrange it via egg and they give you 12 months to pay it off

 

[chewitt]

they check! my gf has been in tht situation.

 

[Dyewitness]

If you take out an Egg credit card its one of the perks, pay your insurance if you arrange it via egg and they give you 12 months to pay it off

Should have said, they let you do it interest free every year